Huntington Bank Review: Checking, Savings and CDs

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If you’re in the Midwest or Southeast and are looking for a no-frills bank to stow your money, Huntington Bank will get the job done. A robust overdraft protection program and a clean website put Huntington among one of the best banks in the region, though low interest rates are a drag.

The bottom line

Huntington has its strongest presence in Michigan, Ohio, Pennsylvania and Indiana, with fewer branches in other states across the Midwest and Southeast

Don’t expect to make much money off interest rates

Good online and mobile accessibility, the options of banking in person and 24/7 phone assistance make customer service Huntington’s greatest strength

Checking account

4.0 / 5.0

Huntington’s basic Asterisk-Free Checking account, with no monthly maintenance fee or minimum balance requirement, won’t cost you anything to maintain. But it won’t earn you anything either, with an interest rate at 0%.

Pros

Cons

Asterisk-Free Checking has no monthly maintenance fee and no minimum balance requirement

Has 1,800 ATMs, a solid number for a regional bank

The fee for using out-of-network ATMs is $3 per transaction, plus any additional fees the ATM owner might charge

Savings account

2.5 / 5.0

Huntington’s Premier Savings account will cost you $4 a month if you don’t maintain an average daily balance of at least $300 or link your account to an Asterisk-Free Checking account. Savings accounts typically entice customers with interest rates that will grow the money put in them over time. The Premier Savings account’s low interest rate means other savings accounts can get you more for your money.

Certificates of deposit

1.5 / 5.0

Huntington offers a large range of CDs, including a wider-than-average variety of short-term CDs. But interest rates on the bank’s CDs are abysmally low, defeating the purpose of having a CD in the first place. Compare other banks’ CDs by rates, terms and more here.

Pros

Cons

Short-term rates begin at one month, or seven days for jumbo deposits ($100,000+)

Bank experience

4.0 / 5.0

Huntington has a well-organized website that makes its fees easy to find. Its Android mobile app receives better reviews than its iOS counterpart, and it offers online banking features such as bill pay and online statements.

Customer service is also robust, with a responsive 24/7 phone help line and a Twitter feed to answer consumer questions. It also has online chat services.

As a regional bank, Huntington is ideal for customers in Ohio or Michigan, where there are several hundred branches each. Pennsylvania and Indiana also have an ample number of branches.

Overdraft fees

2.5 / 5.0

Huntington offers a free overdraft protection feature called 24-Hour Grace. If you overcharge your account, you’ll have until midnight of the next business day to pull your balance up to at least negative $5 to avoid overdraft fees. You can also link another account for overdraft protection transfers, which are free.

If you don’t bring up your balance, you’ll be hit with a $37.50 overdraft fee, up to four times a day — that can get expensive quickly. And if your balance remains below zero for five days, you’ll be charged an additional $25 fee every five business days, up to four times. Customers should note that the first overdraft fee, over a 12-month period, is $23.

Low rates; grace period on overdrafts

If you’re in Michigan or Ohio or near a branch in another state, Huntington is a good option. Though the interest rates start to get competitive only with higher-tier checking and savings accounts, the free accounts all come with a generous 24-hour cushion if you overdraw. As long as you’re not too picky about making a lot of money off interest, Huntington is a solid place to park your cash.

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